I enjoy your attitude and outlook man that's good stuff.

Everyone has the attitude that hey its not mine so why should I take care of it attitude, because of that, is one of the reasons I really don't want to do Rentals.

I have definitely learned alot from this book and attitude about creating passive income to create the life you want.

They encouraged others to have the same attitude within their business plan.

And with the attitude "you should do what I want, and not talk back to me"......I wouldn't talk back to you much, just enough to say "see ya', have a nice life".

(Q 2) 1) 2012 was a great year to lock a rate, so your 'by default, I don't want to touch this' attitude is the correct one: Ain't broke, don't "fix" it. 

I like your attitude.  

Sounds like you have a great future started, but don't bail out, you have many productive earning years ahead of you, but yo can now take a different attitude toward earning, it's no longer out of desperation of "must do", but rather "can do". 

Attitudes, what attitudes do you want the prospect to feel?

You have the right attitude and, coupled with a solid plan, you should do extremely well.